Beyond the core lines, your life and business often need specialized policies. From landlord coverage on a rental, to commercial umbrella on top of your business stack, to cyber liability that responds when ransomware hits, we write 19 specialty products with the same Florida-savvy carriers we use for everything else.
Click any card to call or get a free quote. We also bundle multiple specialty lines with your core policies for additional savings, and we coordinate underlying limits with commercial umbrella where applicable.
Covers property owners renting out homes or apartments, including building, liability, and lost rental income.
Covers damage, theft, and liability for boats, jet skis, and personal watercraft on Tampa Bay and beyond.
Covers bikes, scooters, and trikes. Liability, collision, comprehensive, custom parts, and accessories.
Covers Class A, B, and C motorhomes, travel trailers, and fifth wheels for both travel and parked risks.
Specialized coverage for manufactured or mobile homes, including wind, hurricane, and contents protection.
For condo unit owners. Covers the interior walls-in, personal belongings, loss assessment, and liability.
Adds $1M to $10M of extra liability protection above your auto and home policies. Affordable peace of mind.
Extra liability protection above your general liability, commercial auto, and employer's liability policies.
Optional add-on to help cover vet bills for illness or accidents. Available for dogs, cats, and exotic pets.
Covers costs related to data breaches, cyberattacks, ransomware, and notification, critical for any business handling customer data.
Covers businesses that manufacture, distribute, or sell physical products against bodily injury and property damage claims.
Covers employee lawsuits for wrongful termination, harassment, discrimination, and retaliation claims.
Required for bars, restaurants, breweries, and venues that serve alcohol. Covers third-party claims from over-service.
Covers tools, materials, and equipment in transit, on job sites, or in storage. Essential for mobile businesses and contractors.
Covers mechanical and electrical failure of essential business equipment: HVAC, refrigeration, computers, and production gear.
Tailored packages for commercial or residential cleaning services. Liability, bonding, and tools all in one.
Short-term coverage for buildings under construction or renovation. Protects the project itself, materials, and equipment on site.
Especially relevant in Florida. Required by some communities for D&O, general liability, and master property coverage.
Temporary coverage for weddings, expos, festivals, or corporate events. Includes cancellation, liability, and host liquor options.
This list is just our most-requested specialty products. As an independent agency, we have access to admitted carriers, surplus lines markets, and specialty programs for almost any insurable risk in Florida. Tell us what you need protected and we'll find a carrier.
Most specialty policies work alongside a core policy, not in place of it. A personal umbrella sits on top of your auto and homeowners. Cyber liability sits alongside your BOP or general liability. Builder's risk handles the project while your contractor GL handles your operations. We review the entire program at every renewal to make sure no coverage overlaps, no risk falls between policies, and you're not paying twice for the same protection.
Specialty markets are exactly where the difference between captive and independent agencies shows. A captive agent can only sell one carrier's specialty products, if they have them. We compare 15+ admitted carriers PLUS surplus lines markets, which is often the only way to find coverage for unusual risks: vacant properties, classic cars, short-term event coverage, drone operations, restaurants with full liquor service, and many others.
If you own a home, drive in Florida, have a teen driver, own a pool, or have meaningful savings or future earnings, a personal umbrella is one of the highest-value insurance products available. A $1M umbrella typically costs $200 to $400 per year and adds a full $1M of liability protection above your auto and home limits. One serious auto accident can blow through underlying limits in a single afternoon.
Yes. Ransomware and business email compromise attacks heavily target Florida small businesses precisely because they have valuable data but lighter security than enterprises. Average ransomware recovery costs for a small business now exceed $100,000 when you account for downtime, data restoration, and regulatory notification. A modest cyber policy ($500 to $2,000 per year) covers most of that.
Homeowners insurance is for owner-occupied homes. Landlord (or DP-3) insurance is for property you own but rent out. The two policies have different liability structures (landlord includes premises liability for tenant injuries), different contents coverage (landlord only covers YOUR property, not the tenant's), and different loss-of-rents coverage. Renting out an owner-occupied policy is a common gap that voids coverage when a claim is filed.
Sometimes equipment breakdown is included on a BOP, but often only at low limits. Florida businesses with significant HVAC, refrigeration, or production equipment usually benefit from raising the limit or adding a standalone equipment breakdown policy. A walk-in cooler failure on a 95-degree Tampa day can spoil $20,000+ of inventory in hours, plus the repair cost itself.
Often, yes. Many carriers offer multi-policy discounts when specialty lines are written alongside your core home, auto, or business policies. Some lines (umbrella, equipment breakdown, cyber, EPLI) are most often written as endorsements or companion policies for that reason. We'll model the bundled vs. standalone pricing on every quote.
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